Skip to content
Sophie

Managed Care sans capitation or Tel Doc — Appenzell Innerrhoden

Appenzell Innerrhoden: with sana24, Managed Care sans capitation costs CHF 423.60 a month in 2026 and Tel Doc CHF 418.90, for an adult with a CHF 300 deductible and accident cover. The table below gives the gap at every deductible.

Tel Doc is the cheaper of the two here: CHF 56.40 saved per year against Managed Care sans capitation, for cover identical under the law. What you pay more or less for is the care pathway.

What you accept in each case

Managed Care sans capitation is a "Group practice (HMO)" model. Tel Doc is a "Telemedicine and others" model.

  • Managed Care sans capitation

    Group practice (HMO)

    You go to a designated group practice, which coordinates your care.

  • Tel Doc

    Telemedicine and others

    You call a medical service before any consultation, or follow another pathway set by the insurer.

The price at every deductible

DeductibleManaged Care sans capitationTel DocGap per year
300CHF 423.60CHF 418.90CHF 56.40
500CHF 411.90CHF 407.20CHF 56.40
1'000CHF 382.70CHF 378.10CHF 55.20
1'500CHF 353.60CHF 348.90CHF 56.40
2'000CHF 324.40CHF 319.70CHF 56.40
2'500CHF 295.20CHF 290.60CHF 55.20

The comparison, region by region

An alternative model commits you to a care pathway: check the conditions with the insurer before signing. This page gives a price, not advice.

Compare every insurer

Source: Federal Office of Public Health (FOPH), official premiums and territorial coverage areas.